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Your COBRA and Other Coverage Options

When you lose employer-sponsored health coverage due to a qualifying event (like job loss, reduction in hours, divorce, or a dependent aging out), COBRA allows you to continue that coverage for a limited time — usually 18 to 36 months. This can be a valuable safety net, especially if you’re in the middle of treatment or want to keep your existing providers.
 
But, did you know there are other options?
At Clarity Benefit Solutions, we want to make sure you have the resources and flexibility to choose what’s best for you and your family. As you decide whether to elect COBRA, consider the following:
  • Cost: You’ll pay the full premium (including the employer’s portion), plus a 2% admin fee
  • Coverage: COBRA gives you the exact same coverage you had while employed
  • Alternatives: You do have the ability to obtain health coverage outside of COBRA (see option 2)

Option 1: Continue Your COBRA Coverage

  • Access the same health coverage you had with your employer.
  • Register through the Clarity Portal to review plan details, costs, and enrollment steps.
  • COBRA keeps you on familiar coverage — but it can be expensive.

Note: After clicking Continue, choose “Participant” and “COBRA/Direct Bill/LOA” on the login screen, then follow the prompts.

Continue →

Option 2: Explore Private Health Insurance

  • Licensed brokers from No Fear Insurance Agency will guide you through potentially more affordable alternatives.
  • Compare coverage and pricing from private insurance options.
  • Get personalized support in selecting a plan that fits your needs and budget.
Explore Private Insurance Options →

Important Notes : Clarity Benefit Solutions does not sell or endorse any specific health insurance plan. Private insurance discussions are handled exclusively by licensed brokers at No Fear Insurance Agency. Clarity may receive a referral fee if you enroll through this program.

Getting Started with Continuation of Coverage

COBRA or State Continuation gives you the right to continue your employer-sponsored health coverage after a qualifying life event. This section walks you through how to enroll, manage your coverage, make payments, etc.

Note: The Clarity Portal is the only way to access your continuation coverage. The Clarity Mobile App does not support Continuation of Coverage.

Go to

www.claritybenefitsolutions.com

Click Login, then Register

Select Participant, fill out your personal info, and submit
(Use your home ZIP code and personal email)

1. Click Access My COBRA Coverage

2. In the next window, you will see the Qualified Event record(s) found on your account. Click View Account.

3. Now you will see the Benefits section and your last day to elect benefits. Click Elect Plans.

1. In the Primary Participant section, review and update your information

2. Now add any dependents and choose your plans

3. Review your selection, accept the Terms, and click Submit Election

Once you’ve elected coverage, here’s how to make sure your coverage stays up to date:

Make a One-Time Payment

  • Log in and click Make a Payment
  • Choose to pay full or partial amount
  • Select Bank Accountor Credit Card
  • Pay securely and view confirmation

$25 convenience fee applies to one-time payments

Set Up Auto Recurring Payments

  • Go to the Paymentstab and click Setup Recurring Auto Payments
  • Enter bank info and authorize
  • Recurring payments will post automatically each month

View Billing Info

Under Billing, click the down arrow to see:

  • Due date
  • Amount due
  • Subsidies
  • Plan details

View Mailed Letters

Under Communications, download any letters sent to you about your  coverage, including your election notices.

Review State Rules

Some states offer extended or alternative continuation options. Use the drop downs below to find your state insert and view your staties coverage rules.

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State Continuation Guidelines

  • Browse state-by-state continuation rules and requirements.
  • Download and save clean, pre-formatted PDF summaries.
Access Rules Dashboard →
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State-Specific COBRA Inserts

  • Easily determine which state-specific COBRA inserts must accompany your COBRA rights letters.
  • This tool ensures compliance with additional state and federal COBRA requirements.
Access Insert Finder →

Additional Resources

Learn more about electing and managing COBRA

COBRA Overview Guide

Learn more about COBRA coverage

COBRA Flyer

Have more questions? Check out our COBRA FAQs.

COBRA FAQs

Learn More about COBRA coverage

SPANISH VIDEO

Learn More about COBRA coverage

ENGLISH VIDEO